Techniques for call authentication

ABSTRACT

Various embodiments described herein are directed towards authenticating calls by using one or more keys associated with a specific user. In examples, the user is the sender of a call. In various embodiments, when a call is made, an identifying payload is encrypted using a private key associated with the user. The encrypted identifying payload is appended to the call data stream. The identifying payload may be decrypted with a public key. In embodiments, the identifying payload may be verified. In various embodiments, further authentication methods may be performed by using an object such as a contactless card to provide one or more components of the identifying payload and/or keys. In embodiments, a connection may be made between the sender and the intended recipient of a call based on the verification of the identifying payload.

RELATED APPLICATIONS

This application is a Continuation of U.S. patent application Ser. No.16/849,429, filed on Apr. 15, 2020, which is a Continuation of U.S.patent application Ser. No. 16/656,232, filed on Oct. 17, 2019 (issuedas U.S. Pat. No. 10,667,128 on May 26, 2020), which is a Continuation ofU.S. patent application Ser. No. 16/517,074, filed on Jul. 19, 2019(issued as U.S. Pat. No. 10,506,426 on Dec. 10, 2019). The contents ofthe aforementioned patent applications are incorporated herein byreference in their entireties.

BACKGROUND

Unsolicited phone calls present an annoyance and a security risk forcall recipients. Recipients may be subject to nuisance calls such astelemarketing calls, prank calls, and/or silent calls. Unsolicited callsmay also be used to initiate telephone frauds, wherein imposters pose aslegitimate entities in an attempt to steal information or funds.

Telephone call authentication involves attempting to identify a callingparty. However, current methods lack the ability to reliablyauthenticate the devices called from and the parties calling from them.Furthermore, such methods are at best sparsely implemented and subjectto practices such as spoofing, in which a caller may use a falseidentity and/or number in order to trick a call recipient intoanswering. As a result, users often have a mistrust of communicationsystems at best. At worst, they may be subject to nuisances and/orsecurity risks.

SUMMARY

According to one aspect of the invention, a method for performing peerto peer authentication of calls includes the steps of receiving anincoming call data stream from a first mobile phone device, the incomingcall data stream comprising an incoming call number of a second mobilephone device and an encrypted payload comprising payload data encryptedusing a private key associated with the first mobile phone device. Insome embodiments, the private key comprises a dynamic key of the firstmobile phone device and the encrypted payload comprises a cryptogram.The method may include authenticating the incoming call data stream inresponse to a match between the encrypted payload and stored informationrelated to the first mobile phone device. In various aspects, theauthentication includes forwarding the cryptogram to an authenticationserver, wherein the authentication server maintains and modifies a copyof the dynamic key concurrently with the first mobile phone device asthe stored information related to the first mobile phone device. In someembodiments, the authentication further includes receiving a validationof the first mobile phone device from the authentication server inresponse to a counter match between a counter extracted from thecryptogram using the copy of the dynamic key and an expected counterassociated with the first mobile phone device. The method may furtherinclude selectively establishing a call connection between the firstmobile phone device and the second mobile phone device in response tothe step of authenticating.

According to another aspect of the invention, a system forauthenticating calls between devices comprises an interface configuredto receive an incoming call data stream from a first mobile phonedevice. In some embodiments, the incoming call data stream comprises anincoming call number associated with a second mobile phone device and anencrypted payload comprising payload data encrypted using a private keyassociated with the first mobile phone device. In some embodiments, thesystem includes a processor coupled to the interface and a non-volatilememory having program code stored thereon, the program code operablewhen executed upon by the processor to authenticate the incoming calldata stream in response to a match between information of the encryptedpayload and stored information related to the first mobile phone device.The system further includes a communication interface coupled to theprocessor and configured to selectively establish a call connectionbetween the first mobile phone device and the second mobile phone devicein response to the step of authenticating.

According to yet another aspect of the invention, a method forauthenticating calls between mobile devices includes the steps ofreceiving an incoming call data stream from a first mobile phone device.In some embodiments, the incoming call data stream comprises an incomingcall number associated with a second mobile phone device, and anencrypted payload comprises payload data encrypted using a private keyassociated with the first mobile phone device and a voice message anattribute. The method includes retrieving a public key of the incomingcall number from a data storage device and decrypting the encryptedpayload using the public key of the incoming call number to produce adecrypted payload comprising an identifier. The method includescomparing the identifier of the decrypted payload to an expectedidentifier associated with the incoming call number to determine a firstfactor authentication match and comparing the attribute of the voicemessage to an expected voice message attribute to identify a secondfactor authentication match. The method further includes selectivelyestablishing a connection between the first mobile phone device and thesecond mobile phone device in response to the first factorauthentication match and the second factor authentication match.

With such an arrangement, a system and method are provided for reliablyauthenticating incoming calls.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a first block diagram of a data transmission system configuredto authenticate user calls according to an example embodiment;

FIG. 2 is a detailed block diagram illustrating exemplary componentsthat may be used in the system of FIG. 1;

FIG. 3 is a detailed block diagram of components of the system of FIG. 1that may be utilized to support aspects of the invention;

FIG. 4 is a diagram illustrating a sequence for providing authenticatedaccess according to an example embodiment;

FIG. 5 is a block diagram is a second block diagram of a datatransmission system configured to authenticate user calls according toan example embodiment;

FIG. 6 is a first logic flow provided to describe exemplary steps thatmay be performed during one embodiment of a call authentication process;and

FIG. 7 is a second logic flow provided to describe exemplary steps thatmay be performed during one embodiment of a call authentication process.

DETAILED DESCRIPTION

An objective of some embodiments of the present disclosure is the use ofone or more keys that have been incorporated into one or morecontactless cards as described in U.S. patent application(s) Ser. No.16/205,119 filed Nov. 29, 2018 by Osborn, et. al, entitled “Systems andMethods for Cryptographic Authentication of Contactless Cards” andincorporated herein by reference (hereinafter the '119 Application). Thecontactless card may be used to perform authentication and numerousother functions that may otherwise require the user to carry a separatephysical token in addition to the contactless card. By employing acontactless interface, contactless cards may be provided with a methodto interact and communicate between a user's device (such as a mobilephone) and the card itself. For example, the near-field communication(NFC) protocol, which underlies many credit card transactions, includesan authentication process which suffices for operating systems forAndroid® but presents challenges for iOS,®, which is more restrictiveregarding NFC usage, as it can be used only in a read-only manner.Exemplary embodiments of the contactless cards described in the '119Application may utilize NFC technology. Authenticating users via thecontactless card interface may overcome prior art identity theft issuesby validating endpoints of a call link.

Various embodiments described herein are directed towards authenticatingcalls by using one or more keys associated with a specific user. Inexamples, the user is the sender of a call. In various embodiments, whena call is made, an identifying payload is encrypted using a private keyassociated with the user. The encrypted identifying payload is appendedto the call data stream. The identifying payload may be decrypted with apublic key. In embodiments, the identifying payload may be verified. Invarious embodiments, further authentication methods may be performed byusing an object such as a contactless card to provide one or morecomponents of the identifying payload and/or keys. In embodiments, aconnection may be made between the sender and the intended recipient ofa call based on the verification of the identifying payload.

In some embodiments described herein, the private key used to encryptthe identifying payload may be stored or issued with respect to aparticular user device. Such a user device may be a network-enabledcomputer. As referred to herein, a network-enabled computer may include,but is not limited to: e.g., a computer device, or communications deviceincluding, e.g., a server, a network appliance, a personal computer(PC), a workstation, a mobile device, a phone, a handheld PC, a personaldigital assistant (PDA), a thin client device, a fat client device, orother device.

In some embodiments described herein, the private key used to encryptthe identifying payload may be stored or issued with respect to aseparate object associated with the user. For example, the separateobject may be a contactless card, as referenced in the incorporated '119application and in greater detail herein. Embodiments are not limited inthis context.

In various embodiments described herein, the identifying payload maycomprise text data, audio data, numerical data, or a combinationthereof. For example, an identifying payload may comprise informationabout a user's association with a communication service provider, avoice message, or a counter as associated with a contactless card.Embodiments are not limited in this context.

While unsolicited calls may come from a variety of callers with avariety of purposes, they are often difficult for a recipient toidentify, leading to poor user experience for communication systemclients and user mistrust of the communication system.

For example, caller ID may indicate to a call recipient that a caller isa known contact or show the caller's phone number so that the recipientmay recognize an area code in it. However, caller ID can be turned offby the caller. Furthermore, in this example, the recipient is stillnotified of the incoming call and must still deliberately deny it.Furthermore, harassers can avoid proper identification, for example, byspoofing or blocking caller ID. In further examples, voice over IP usersmay send false caller ID or route calls through servers in multiplecountries.

For the field of phone communications, the FCC has called for theimplementation of Signature-based Handling of Asserted Information UsingtoKENs (SHAKEN) and the Secure Telephone Identity Revisited (STIR)standards, but these procedures also fall short of fully authenticatingthe identity of a caller. In SHAKEN/STIR, the service provider of acaller may create a digital signature based on what it knows about thecall origination, such as the customer and their right to use the numbercalled from, the customer (but not the number), or the point from whichthe call enters their network. An origination identifier may be assignedto uniquely identify the call origination. However, in these procedures,the end verification is that a caller has a right to appear as a certaincalling party to the recipient. The call may not actually come from thenumber that appears as the caller. For example, serviceprovider-approved spoofing may still take place. Even after theimplementation of such methods, recipients will not have certainty ofthe identity on the other end of an incoming communication. There is aneed for an improved system to authenticate identities of partiesoriginating communication.

Various embodiments described herein include components that can enableone or more of the following: (1) authentication of a communicationinitiator in association with the device used to initiate thecommunication, (2) authentication of a communication initiator inassociation with the device used to initiate the communication andseparate identifying information provided by and/or relating to thecommunication initiator, and (3) authentication of a communicationinitiator in association with the device used to initiate thecommunication and a separate object uniquely possessed by thecommunication initiator, for example, a contactless card.

Authentication of communications based on the device from which theywere sent reduces the potential for nuisance communications, includingfraud attempts, to reach a receiving client, thereby improving thesecurity of their information. In some embodiments, selective connectionof a first client device and second client device forcommunication-based on the results of the authentication or multifactorauthentication may reduce the load of unwanted communications on clientsand thereby improve client experience.

Embodiments disclosed herein thus leverage authentication features of atleast one client device and/or service provider in practicalapplications to increase security of network communications and/orimprove client confidence in the authenticity of receivedcommunications. In several embodiments, components described herein mayprovide specific and particular manners of authenticating communicationsand/or managing communications based on the results of authentication.In many embodiments, one or more of the components described herein maybe implemented as a set of rules that improve computer-relatedtechnology by allowing a function not previously performable by acomputer that enables an improved technological result to be achieved.For example, authenticating a communication based on identifyinginformation related to the communication initiator is such an improvedtechnological result. In another example, the function may includesecure multifactor authentication via leveraging of features of a clientdevice and/or separate object, such as a contactless card. In anotherexample, the function may include managing communications by selectivelyconnecting devices for communication according to the results ofmultifactor authentication.

These and other features of the invention will now be described withreference to the figures, wherein like reference numerals are used torefer to like elements throughout.

As used in this application, the terms “system”, “component” and “unit”are intended to refer to a computer-related entity, either hardware, acombination of hardware and software, software, or software inexecution, examples of which are described herein. For example, acomponent can be, but is not limited to being, a process running on aprocessor, a processor, a hard disk drive, multiple storage drives (ofoptical and/or magnetic storage medium), an object, an executable, athread of execution, a program, and/or a computer. By way ofillustration, both an application running on a server and the server canbe a component. One or more components can reside within a processand/or thread of execution, and a component can be localized on onecomputer and/or distributed between two or more computers.

Further, components may be communicatively coupled to each other byvarious types of communications media to coordinate operations. Thecoordination may involve the uni-directional or bi-directional exchangeof information. For instance, the components may communicate informationin the form of signals communicated over the communications media. Theinformation can be implemented as signals allocated to various signallines. In such allocations, each message is a signal. Furtherembodiments, however, may alternatively employ data messages. Such datamessages may be sent across various connections. Exemplary connectionsinclude parallel interfaces, serial interfaces, and bus interfaces.

FIG. 1 illustrates a system 100 including 2 or more client devices 125and 130 coupled via a network 115. In various embodiments, a clientdevices 125 and 130 comprise network-enabled computers and communicatewith each other via network 115. Specifically, various embodimentsinclude each client device being associated with a private key and apublic key. In embodiments, a client device 125 initiating communicationmay send a message 140 comprising a phone number and a payload encryptedwith its own private key 126. The message may be passed through anauthentication router 120 which is part of the network 115. Theencrypted payload of the message 140 may be decrypted using the publickey 127 associated with the client device 125. The communication may bepassed to client device 130. Embodiments are not limited in thiscontext.

In various embodiments, a first client device 125 may initiate acommunication with the intention of reaching one or more client devices130. While only one device is illustrated in FIG. 1, it will beunderstood that the communication could have a plurality of recipients,for example, as in a group message, conference call, or group videochat. Embodiments are not limited in this context.

The client devices 125 and 130 can include a processor and a memory, andit is understood that the processing circuitry may contain additionalcomponents, including processors, memories, error and parity/CRCcheckers, data encoders, anti-collision algorithms, controllers, commanddecoders, security primitives, and tamper-proofing hardware, asnecessary to perform the functions described herein. The client devices125 and 130 may further include a display and input devices. The displaymay be any type of device for presenting visual information such as acomputer monitor, a flat panel display, and a mobile device screen,including liquid crystal displays, light-emitting diode displays, plasmapanels, and cathode ray tube displays. The input devices may include anydevice for entering information into the user's device that is availableand supported by the user's device, such as a touch-screen, keyboard,mouse, cursor-control device, touch-screen, microphone, digital camera,video recorder or camcorder. These devices may be used to enterinformation and interact with the software and other devices describedherein.

One or more client devices 125 and 130 also may be a mobile device forexample, such as an iPhone, iPod, iPad from Apple® or any other mobiledevice running Apple's iOS operating system, any device runningMicrosoft's Windows® Mobile operating system, and/or any othersmartphone or like wearable mobile device.

Client devices 125 and 130 may include a thin client applicationspecifically adapted for communication with a service provider. Aservice provider may be a business or other entity providingcomputer-related services over a network. The thin client applicationmay be stored in a memory of the client device and be operable whenexecuted upon by the client device to control an interface between theclient device and a service provider application, permitting a user atthe client device to access service provider content and services.

In embodiments, the client device 125 is associated with a private key126 and a public key 127. The private key 126 and the public key 127 maybe related so as to be able to encrypt and decrypt data, such as insymmetric key encryption or asymmetric key encryption (also known aspublic key encryption). In embodiments, the private key 126 and thepublic key 127 may be different, with the public key 127 being availableto systems external to the client device 125 and the private key 126intended only to be known by the client device 125. In such embodiments,the system 100 may be directed to use asymmetric key encryption. In someembodiments, the same public key may be available to and/or associatedwith multiple client devices, for example, with client device 125 andwith the client device 130.

In various embodiments, the private key 126 may be persistent or static.In other embodiments, the private key may be a dynamic key. For example,a private key 126 may be a rolling key. A private key 126 may bechanged, for example, as a function of time, of a counter, or otherdynamic condition. In various embodiments, a counter by which a privatekey 126 is updated may be advanced by a client's use of the clientdevice 125 or of a separate object, such as a contactless card asdescribed in the '119 application and in more detail herein. It will bereadily understood that a dynamic key may be updated in response toother events, changes in circumstance, and/or a combination of anydescribed above.

In various embodiments, association of the private key 126 and/or thepublic key 127 with the client device 125 may be established at orbefore the issuance of the client device 125 to the client. For example,the keys may be set by a manufacturer of the device, by a serviceprovider, or other entity. In other embodiments, the private key 126and/or the public key 127 may be linked to the device later. Forexample, a client device 125 may receive updated keys 126 and 127. Invarious embodiments, the private key 126 and/or the public key 127 maybe stored to memory on the client device 125 or to an external server ordatabase. In various embodiments, the private key 126 and/or the publickey 127 may be updated by using an application on the client deviceand/or by using a separate computer. For example, the private key 126and/or public key 127 may be updated or diversified in accordance withdynamic data such as a counter. Such examples are found in the '119reference, incorporated herein by reference.

The client device 125 may initiate communication with another clientdevice 130 by generating a message 140. In embodiments, the message 140may comprise an encrypted payload and a phone number. The encryptedpayload may be encrypted using the private key 126. The phone number maycomprise the phone number of the client device 125 and/or the clientdevice 130. In embodiments, the payload encrypted as the encryptedpayload of message 140 may comprise text, numerical, audio, other data,or a combination thereof. The payload may comprise uniquely identifyinginformation for the client, the client device 125, or a combinationthereof. Furthermore, the encrypted payload may contain hashed data.Such information may be stored in memory accessible to the client device125, for example, local to the client device or accessible via a networkconnection. In various embodiments, the encrypted payload may comprisedynamic information relating to the client, the client device 125, or aseparate object, for example, a contactless card as described in greaterdetail herein. Dynamic information may change with each communicationsent by the client device 125 or at another rate. In some embodiments,the public key 127 may be included in the message 140.

In some embodiments, the encrypted payload and/or message 140 may beappended to a communication from the client device 125. For example, theencrypted payload may be appended to a call data stream. In someembodiments, a communication from the client device 125 may be includedin the encrypted payload.

The message 140 may be sent from the client device 125. In variousembodiments, the message 140 may pass through an authentication router120. The authentication router 120 may be associated with a network 115.

In some examples, network 115 may be one or more of a wireless network,a wired network or any combination of wireless network and wired networkand may be configured to connect client device 125 to service provider320. For example, network 115 may include one or more of a fiber opticsnetwork, a passive optical network, a cable network, an Internetnetwork, a satellite network, a wireless local area network (LAN), aGlobal System for Mobile Communication, a Personal CommunicationService, a Personal Area Network, Wireless Application Protocol,Multimedia Messaging Service, Enhanced Messaging Service, Short MessageService, Time Division Multiplexing based systems, Code DivisionMultiple Access based systems, D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE802.11b, 802.15.1, 802.11n and 802.11g, Bluetooth, NFC, Radio FrequencyIdentification (RFID), Wi-Fi, and/or the like.

In addition, network 115 may include, without limitation, telephonelines, fiber optics, IEEE Ethernet 902.3, a wide area network (“WAN”), awireless personal area network (“WPAN”), a local area network (“LAN”),or a global network such as the Internet. In addition, network 115 maysupport an Internet network, a wireless communication network, acellular network, or the like, or any combination thereof. Network 115may further include one network, or any number of the exemplary types ofnetworks mentioned above, operating as a stand-alone network or incooperation with each other. Network 115 may utilize one or moreprotocols of one or more network elements to which they arecommunicatively coupled. Network 115 may translate to or from otherprotocols to one or more protocols of network devices.

Furthermore, it should be appreciated that according to one or moreexamples, network 115 may be part of a plurality of interconnectednetworks, such as, for example, the Internet, a service provider'sprivate network, a cable television network, corporate networks, such ascredit card association networks, and home networks. In someembodiments, the authentication router 120 and/or network 115 may beassociated with a communication service provider. In addition, a privatenetwork may be implemented as a virtual private network layered uponnetwork 115.

For example, network 115 may comprise a public switched telephonenetwork (PSTN), and the authentication router may be associated with thecommunication service provider used by the client of client device 125and/or client device 130.

The authentication router 120 may have access to the public key 127associated with the client device 125. In some cases, the authenticationrouter 120 may receive the public key 127 from the client device 125 viathe message 140. In other embodiments, the authentication router 120 mayhave access to a database, table, or other storage or memory in whichthe public key 127 is stored. In these embodiments, the memory may belocal to the authentication router 120 or otherwise available via thenetwork 115.

In some embodiments, the authentication router 120 has access to storageas described above which includes dynamic information pertaining to theencrypted payload of the message 140. For example, dynamic informationincluded in the encrypted payload may be reflected by the informationavailable to the authentication router. For example, if the payloadcomprises current information about a client's account with acommunication service provider, the memory may comprise separatelymaintained current information about the client's account with theservice provider. In another example, if the encrypted payload comprisesa counter that is increased each time a client uses the client device125 to make a call, a counter may be updated in the memory accessible tothe authentication router 120 each time the client device 125 makes acall.

Such information as pertaining to the client and/or client device 125may be made initially available to the authentication router 120 uponactivation of a client device 125 or issuance of a client device 125 toa client. Furthermore, such information should be associated with theclient and/or client device. For example, a counter associated with aclient device may be set to zero or some other predetermined number inresponse to activation of a device, or initial account information for aclient may be entered by a communication service provider employee inresponse to account creation for the client. However, such informationis updated independently from the content of the message 140.

In some embodiments, the public key 127 is stored in such memoryaccessible to the authentication router 120. In embodiments, the publickey 127 may be entered with a memory location associated with the clientand/or client device 125 upon the issuance of the client device 125 tothe client and/or beginning of service by the communication serviceprovider. If the public key is updated, for example, to match an updatedprivate key, the public key 127 in the memory may be updated. In someembodiments, this update may be automatic. In other embodiments, thisupdate may be performed in response to an event, for example, thesending of a message 140 from the client device 125. In someembodiments, the public key 127 may be updated in response to beingreceived as part of a message 140.

In various embodiments, the authentication router 120 may decrypt themessage 140 using the public key 127. In embodiments wherein theencrypted payload comprises hashed data, a hash function may be appliedto the decrypted payload to extract information, for example, anidentifier. In embodiments, contents of the decrypted payload of message140 may then be compared to information known by the authenticationrouter pertaining to the client and/or client device. For example, ifthe payload comprises a counter, that counter may be compared to thecounter known by the authentication router. The matching of theinformation of the decrypted payload and the information known by theauthentication router 120 allows for authentication of the message 140as being genuinely sent from the client device 125.

As the public key 127 is related to the private key 126, which is knownonly to the client device 125, successful decryption of the message 140using the public key 127 indicates that the message 140 was in fact sentfrom the client device 125. However, a mismatch between the encryptedpayload of a message sent from a client device and the informationavailable to the authentication router pertaining to the client and/orclient device 125 may indicate nefarious activity. For example, a hackeror imposter may have gained access to the private key 126 of clientdevice 125 and the message received by the authentication router may notbe from the client device 125 as identified. In cases where an incomingmessage was unable to be decrypted using the public key 127 and/or thedecrypted payload of the message could not be authenticated, thecommunication may be flagged for recipient client device 130. In someembodiments, the connection for the communication between client devices125 and 130 may not be completed based upon such a failure ofauthentication. Information pertaining to the client device 125 and/orthe message 140 may be flagged, stored in a database, and/or sent to theservice provider or other entity, for example, law enforcement, basedupon such failure of authentication. In some embodiments, client devices125 and 130 may be connected for communication based upon successfulauthentication of the initiating client device 125.

In some embodiments, the client device 130 has an associated private key136 and public key 137 of its own. It will be understood that these keysmay allow for returned communication from client device 130 to clientdevice 125 by the same methods described with respect to communicationsfrom client device 125 to client device 130.

In various embodiments, authentication processes may take place locallyto recipient client device 130 as opposed to locally to anauthentication router 120. Specifically, a message 140 may be routed bynetwork 115 to client device 130 while still encrypted.

In such embodiments, the client device 130 may have access to the publickey 127 associated with the client device 125. In some cases, the clientdevice 130 may receive the public key 127 from the client device 125 viathe message 140. In other embodiments, the client device 130 may haveaccess to a database, table, or other storage or memory in which thepublic key 127 is stored. In these embodiments, the memory may be localto the client device 130 or otherwise available via the network 115.

In some embodiments, the client device 130 has access to storage asdescribed above which includes dynamic information pertaining to theencrypted payload of the message 140. For example, dynamic informationincluded in the encrypted payload may be reflected by informationavailable to the authentication router. For example, if the payloadcomprises current information about a client's account with acommunication service provider, the memory may comprise separatelymaintained current information about the client's account with theservice provider. In another example, if the encrypted payload comprisesa counter that is increased each time a client uses the client device125 to make a call, a counter may be updated in the memory accessible tothe client device 130 each time the client device 125 makes a call. Insuch an example, counters relating to client device 125 local to clientdevice 125 and local to client device 130 may be updated specifically inresponse to communications between client device 125 and client device130.

Such information as pertaining to the client and/or client device 125may be made initially available to the client device 130 upon activationof a client device 125 or issuance of a client device 125 to a client.Furthermore, such information should be associated with the clientand/or client device. For example, a counter associated with a clientdevice 125 may be set to zero or other predetermined number in responseto activation of the client device 125, or initial account informationfor a client may be entered by a communication service provider employeein response to account creation for the client. In this example,information may be stored in memory external to client device 130, suchas a database located on a network server. However, such information isupdated independently from the content of the message 140.

In some embodiments, the public key 127 is stored in such memoryaccessible to the client device 130. In embodiments, the public key 127may be entered into the memory in association with the client and/orclient device 125 upon the issuance of the client device 125 to theclient and/or beginning of service by the communication serviceprovider. If the public key is updated, for example, to match a rollingprivate key, the public key 127 in the memory may be updated. In someembodiments, this update may be automatic. In other embodiments, thisupdate may be performed in response to an event, for example, thesending of a message 140 from the client device 125 to the client device130. In some embodiments, the public key 127 may be updated in memoryavailable to client device 130 response to being received as part of amessage 140.

In various embodiments, the client device 130 may decrypt the message140 using the public key 127. In embodiments, the decrypted payload ofmessage 140 may then be compared to information known by the clientdevice 130 pertaining to the client and/or client device. For example,if the payload comprises a counter, that counter may be compared to thecounter known by the client device 130. The matching of the informationof the decrypted payload and the information known by the client device130 allows for authentication of the message 140 as being genuinely sentfrom the client device 125.

As the public key 127 is related to the private key 126, which is knownonly to the client device 125, successful decryption of the message 140using the public key 127 indicates that the message 140 was in fact sentfrom the client device 125. However, a mismatch between the encryptedpayload of a message sent from a client device and the informationavailable to the authentication router pertaining to the client and/orclient device 125 may indicate nefarious activity. For example, a hackeror imposter may have gained access to the private key 126 of clientdevice 125 and the message received by the authentication router may notbe from the client device 125 as identified. In cases where an incomingmessage was unable to be decrypted using the public key 127 and/or thedecrypted payload of the message could not be authenticated, thecommunication may be flagged for recipient client device 130. In someembodiments, the connection for the communication between client devices125 and 130 may not be completed or continued based upon such a failureof authentication. Information pertaining to the client device 125and/or the message 140 may be flagged, stored in a database, and/or sentto the service provider or other entity, for example, law enforcement,based upon such failure of authentication. In some embodiments, clientdevices 125 and 130 may be connected for communication based uponsuccessful authentication of the initiating client device 125.

FIG. 2 is a block diagram illustrating various exemplary componentswhich may be useful for implementing methods such as discussed withrespect to FIG. 1. System 200 may, for example, be implemented to allowencryption and/or decryption of data. As such, similar components may beimplemented as client device 125, authentication router 120, and/orclient device 130. System 200 is particularly directed to communicationscomprising phone calls. Embodiments are not limited in this manner.

In embodiments, system 200 may include a processor 210. It is understoodthat the processing circuitry may contain additional components,including processors, memories, error and parity/CRC checkers, dataencoders, anti-collision algorithms, controllers, command decoders,security primitives and tamper-proofing hardware, as necessary toperform the functions described herein. Furthermore, the processor 210can be any of various commercially available computer processors,including without limitation an AMD® Athlon®, Duron® and Opteron®processors; ARM® application, embedded and secure processors; IBM® andMotorola® DragonB all® and PowerPC® processors; IBM and Sony® Cellprocessors; Intel® Celeron®, Core®, Core (2) Duo®, Itanium®, Pentium®,Xeon®, and XScale® processors; and similar processors. Dualmicroprocessors, multi-core processors, and other multi-processorarchitectures may also be employed as the processor 210. Such aprocessor may enable a network-enabled device to communicate with othernetwork-enabled devices via using a PSTN interface 215 managed by an SS7network interface 220.

Specifically, the PSTN interface 215 allows the system 200 to connectwith a network 115 and associated services. A signaling system no. 7(SSN) network interface is used to manage the system's 200 use of thenetwork 115 via the PSTN interface 215 by using a path and facilitydistinct from the voice channel to signal set up and release of acommunication.

Memory systems such as those referenced with respect to the clientdevice 125, authentication router 120, and client device 130 may beembodied as memory 225, in some examples. The memory 225 may be aread-only memory, write-once read-multiple memory or read/write memory,e.g., RAM, ROM, and EEPROM, and the system 200 may include one or moreof these memories. A read-only memory may be factory programmable asread-only or one-time programmable. One-time programmability providesthe opportunity to write once then read many times. A writeonce/read-multiple memory may be programmed at a point in time after thememory chip has left the factory. Once the memory is programmed, it maynot be rewritten, but it may be read many times. A read/write memory maybe programmed and re-programed many times after leaving the factory. Aread/write memory may also be read many times after leaving the factory.

The memory 225 may be configured to store one or more of key data 230,encrypt/decrypt code 235, and key validation code 240. Key data maycomprise keys used to encrypt and/or decrypt information such as amessage such as message 140, an identifying payload, or otherinformation. For example, key data 230 may comprise a private key 126and a public key 127.

Encrypt/decrypt code 235 may comprise code to encrypt and/or decryptinformation such as a message such as message 140, an identifyingpayload, or other information using key data 230.

Key validation code 240 may comprise code to validate the encryptionand/or decryption of information such as a message such as message 140,an identifying payload, or other information using the key data 230according to the encrypt/decrypt code 235. In some embodiments, keyvalidation code 240 may comprise a payload identifying the client and/orclient device, for example, an identifying payload of message 140.

FIG. 3 is a block diagram illustrating a system 300 in which a clientdevice 125 is coupled via a network 315 to a service provider 320.Embodiments are not limited in this manner.

The service provider 320 is, in one embodiment, a business providingcomputer-based services to clients over a network 115. Almost all modernservice providers use the internet to provide service offerings topotential consumers. The service offerings are generally provided in theform of software applications which operate using dedicated resources ofthe service provider. The combination of the software and hardware thatprovides a particular service to a client is referred to herein as a‘server.’ The servers may communicate over a private network 350 of theservice provider, often referred to as a corporate or enterprisenetwork. The private network 350 may comprise a wireless network, awired network or any combination of wireless network and wired networkas described above with regard to network 115.

In system 300, service provider 320 is shown to include anauthentication server 360. Although the server is illustrated as adiscrete device, it is appreciated that the applications and servers maybe distributed throughout the enterprise or, in the case of distributedresources such as ‘cloud’ resources, throughout the network 115.

Database 330 comprises data storage resources that may be used, forexample, to store customer account, credential and other authenticationinformation for use by the authentication server 360. The database 330may be comprised of coupled data resources comprising any combination oflocal storage, distributed data center storage or cloud-based storage.

A contactless card 305 may comprise a payment card, such as a creditcard, debit card, or gift card, issued by a service provider 320displayed on the front or back of the card 305. In some examples, thecontactless card 305 is not related to a payment card, and may comprise,without limitation, an identification card. In some examples, thepayment card may comprise a dual interface contactless payment card. Thecontactless card 305 may comprise a substrate, which may include asingle layer, or one or more laminated layers composed of plastics,metals, and other materials. Exemplary substrate materials includepolyvinyl chloride, polyvinyl chloride acetate, acrylonitrile butadienestyrene, polycarbonate, polyesters, anodized titanium, palladium, gold,carbon, paper, and biodegradable materials. In some examples, thecontactless card 305 may have physical characteristics compliant withthe ID-1 format of the ISO/IEC 7810 standard, and the contactless cardmay otherwise be compliant with the ISO/IEC 14443 standard. However, itis understood that the contactless card 305 according to the presentdisclosure may have different characteristics, and the presentdisclosure does not require a contactless card to be implemented in apayment card.

The contactless card 305 may also include identification informationdisplayed on the front and/or back of the card, and a contact pad. Thecontact pad may be configured to establish contact with anothercommunication device, such as a user device, smart phone, laptop,desktop, or tablet computer. The contactless card 305 may also includeprocessing circuitry, antenna and other components not shown in FIG. 3.These components may be located behind the contact pad or elsewhere onthe substrate. The contactless card 305 may also include a magneticstrip or tape, which may be located on the back of the card (not shownin FIG. 3).

According to one aspect, a contactless card 305 may be in wirelesscommunication, for example, NFC, with one or more client devices 125.For example, contactless card 305 may comprise one or more chips, suchas a radio frequency identification chip, configured to communicate viaNFC or other short-range protocols. In other embodiments, contactlesscard 305 may communicate with client devices 410 through other meansincluding, but not limited to, Bluetooth, satellite, and/or WiFi. Asdescribed in the '119 application, contactless card 305 may beconfigured to communicate with one of a client device 125 through NFCwhen the contactless card 305 is within range of the respective clientdevice. As will be described in more detail below, the contactless card305 may generate a cryptogram for use by the service provider toauthenticate the client device.

The contactless card 305 may be used to generate a messageauthentication code (MAC) cryptogram which may function as a digitalsignature for purposes of verification. Other digital signaturealgorithms, such as public key asymmetric algorithms, e.g., the DigitalSignature Algorithm and the RSA algorithm, or zero knowledge protocols,may be used to perform this verification.

More specifically, the contactless card 305 may be used to generate asession key. The session key may be received via the communicationbetween the contactless card 305 and the client device 125 and act as aprivate key as described with respect to FIG. 1. In embodiments, thisprocess may be an alternative to the generation of or storage of aprivate key local to the client device 125 as described with respect toFIG. 1.

In embodiments, the contactless card 305 may be used to pass anidentifier to the client device 125. An identifier could be a counter,for example. In various embodiments, a private key associated with theclient device 125 may be diversified using the counter and/or used toencrypt the identifier from the contactless card 305 as part of anencrypted identifying payload.

The client device 125 may send a message, for example, message 140. Inembodiments, the message may be appended to a call data stream. Themessage may comprise an encrypted identifier payload associated with theclient and/or client device 125. The identifier payload may compriseaudio data, for example, a voice message. The message may furthercomprise at least one phone number, for example, as found in message140.

In embodiments, the audio data may be recorded from a human voice, forexample, from the client or from a service provider employee. In someembodiments, the audio data may comprise a custom voice message. Inother embodiments, the audio data may be generated by a computer. Insuch embodiments, the audio data may be generated in response to acomputer device interpretation of the text and/or numerical data, forexample, by a text-to-speech application or program. Interpretation oftext and/or numerical data may be performed locally to the client device125 or on another network-enabled device. The data interpreted maycomprise identifying information of the client and/or client device.Such information may be stored in memory accessible to the client device125, for example, local to the client device, local to the contactlesscard, or accessible via a network connection. For example, informationfor a particular client may be found in a database in association withthe phone number of the client device from which the message was sent.In some embodiments, the information may comprise dynamic information,such as a counter.

The payload may comprise further information including at least oneidentifier, in some embodiments. Such an identifier may comprise acounter from the contactless card 305, for example, as described in moredetail herein and in the '119 application.

In embodiments, a network 315 may include a system enabled withinteractive voice response (IVR). The IVR system may receive and decryptthe encrypted identifying payload sent by the client device 125.Decryption may take place by methods necessary, for example, by methodsdescribed in the '119 application or by methods described with respectto FIG. 1.

The identifier of the decrypted payload, for example, a counter, may becompared to an expected identifier associated with the client devicefrom which the message was sent. In embodiments, the expected identifiermay be associated with the client device by reference of a phone numberassociated with that client device. In embodiments, the expectedidentifier may be updated independently of the contents of incomingcommunications from the associated device. For example, a counter may beincreased upon reception of a communication from the client device, butregardless of the contents of the messages received from the clientdevice. In another example, a counter may be increased for each messagereceived from the client device when a message contains a certain typeof information. The comparison of the identifier of the decryptedpayload to the expected identifier may be made by the IVR system, byanother network-enabled device, by an application thereon, or anothercapable processor. Embodiments are not limited in this manner.

The matching of the identifier of the decrypted payload with theexpected identifier may determine a first-factor authentication match.This authentication adds a layer of security farther than symmetric keyor asymmetric key authentication alone by requiring not only successfuldecryption, but also matching of an identifier known only by the clientdevice 125 and the memory in which the expected identifier is stored.For example, a counter value of a number X matched from the decryptedpayload to an expected value may indicate not only that the payload hadbeen able to be properly decrypted, but that the sending client devicehad the same record of the number X past communications with the serveras the record of the server.

In embodiments, the IVR system may perform second-factor authenticationusing the audio data included in the identifying payload. In particular,the IVR system may interpret the audio data included in the identifyingpayload. In some embodiments, the audio data of the decrypted payloadmay be interpreted by a speech transcription program, such as aspeech-to-text application. In some embodiments, the audio data may beanalyzed for characteristics of the audio data itself. In embodiments,attributes such as voice message attributes may be identified from theaudio data. Voice message attributes may include recognized words, humanspeech vs. computer-generated speech, voice characteristics such astone, language, accent, cadence, background noise, volume, and othercharacteristics recognizable in audio data by a computer. Suchattributes may be identified using methods known in the art of languageprocessing, for example, keyword identification or recognition inaccordance with a model trained by one or more machine learningalgorithms, neural networks, or another training method. In someembodiments, at least one confidence level may be calculated accordingto the likelihood that the audio data contains at least one attribute.

The interpreted audio data may, in embodiments, be received by a serviceprovider 320. The service provider 320 may include a private enterprisenetwork 350, an authentication server 360, and a database 330. Inembodiments, aspects of analysis of audio data may take place on theenterprise network 350 as opposed to the public network 315. In caseswhere analysis is performed as described above on network 315,identified attributes of the audio data may be sent to the enterprisenetwork.

An authentication server 360 may compare identified attributes of theaudio data from the decrypted payload to expected attributes of audiodata from a particular client and/or client device 125. Such attributesmay be stored in association with a client and/or client device in thedatabase 330. For example, a custom voice message from the decryptedpayload may be compared to a previously known custom voice messageassociated with the client device 125 in the database 330. In someembodiments, a binary analysis of the matching of attributes may beused. In other embodiments, attributes may be matched according to aconfidence level within a certain range. Such a confidence level may becalculated by one or more machine learning methods, keywordidentification methods, and/or other methods known in the art, forexample. Based upon the comparison of the identified attributes to theexpected attributes of the audio data, the authentication server 360 mayor may not be able to establish a second factor authentication match. Assuch a second-factor authentication match may be based on informationand/or audio data that is unique to the expected user of the clientdevice 125, the authentication may provide confidence that the actualuser of the client device 125 is the expected user, rather than animposter.

In some embodiments, the IVR system may selectively establish aconnection between the first client device 125 and the second clientdevice 130 based on the results of the first and/or second factorauthentication match. In some embodiments, the authentication server 360may communicate to the IVR system the results of the first and/or secondfactor authentication match. In some embodiments, the authenticationserver 360 may further communicate instructions to connect or to notconnect the first client device 125 and the second client device 130based on the result of one or more factor authentication matches. Inother embodiments, the PSTN or IVR system on network 315 may receive theresults of the first and/or second authentication match and determinewhether or not to connect the first client device 125 and the secondclient device 130 for communication based on the results of the one ormore factor authentication matches. In some embodiments, the IVR systemmay be used to limit access of the first client device 125 to the secondclient device 130 based upon the first client device 125 beingauthenticated as one of at least one known validated callers. Forexample, such validated callers may be known and/or marked in the systemas making problematic unsolicited calls.

FIG. 4 is a timing diagram illustrating an example sequence forproviding authenticated access according to one or more embodiments ofthe present disclosure. System 400 may comprise contactless card 305 andclient device 410, which may include an application 422 and processor424. Embodiments are not limited in this manner.

At step 402, the application 422 communicates with the contactless card305 (e.g., after being brought near the contactless card 305).Communication between the application 422 and the contactless card 305may involve the contactless card 305 being sufficiently close to a cardreader (not shown) of the client device 410 to enable NFC data transferbetween the application 422 and the contactless card 305.

At step 404, after communication has been established between clientdevice 410 and contactless card 305, the contactless card 305 generatesa MAC cryptogram. In some examples, this may occur when the contactlesscard 305 is read by the application 422. In particular, this may occurupon a read, such as an NFC read, of a near field data exchange (NDEF)tag, which may be created in accordance with the NFC Data ExchangeFormat. For example, a reader, such as application 422, may transmit amessage, such as an applet select message, with the applet ID of an NDEFproducing applet. Upon confirmation of the selection, a sequence ofselect file messages followed by read file messages may be transmitted.For example, the sequence may include “Select Capabilities file”, “ReadCapabilities file”, and “Select NDEF file”. At this point, a countervalue maintained by the contactless card 305 may be updated orincremented, which may be followed by “Read NDEF file.” At this point,the message may be generated which may include a header and a sharedsecret. Session keys may then be generated. The MAC cryptogram may becreated from the message, which may include the header and the sharedsecret. The MAC cryptogram may then be concatenated with one or moreblocks of random data, and the MAC cryptogram and a random number (RND)may be encrypted with the session key. Thereafter, the cryptogram andthe header may be concatenated, and encoded as ASCII hex and returned inNDEF message format (responsive to the “Read NDEF file” message).

In some examples, the MAC cryptogram may be transmitted as an NDEF tag,and in other examples the MAC cryptogram may be included with a uniformresource indicator (e.g., as a formatted string).

In some examples, application 422 may be configured to transmit arequest to contactless card 305, the request comprising an instructionto generate a MAC cryptogram.

At step 406, the contactless card 305 sends the MAC cryptogram to theapplication 422. In some examples, the transmission of the MACcryptogram occurs via NFC, however, the present disclosure is notlimited thereto. In other examples, this communication may occur viaBluetooth, Wi-Fi, or other means of wireless data communication.

At step 408, the application 422 communicates the MAC cryptogram to theprocessor 424.

At step 412, the processor 424 verifies the MAC cryptogram pursuant toan instruction from the application 422. For example, the MAC cryptogrammay be verified, as explained below.

In some examples, verifying the MAC cryptogram may be performed by adevice other than client device 410, such as a service provider 320 indata communication with the client device 410. For example, processor424 may output the MAC cryptogram for transmission to service provider320, which may verify the MAC cryptogram.

In some examples, the MAC cryptogram may function as a digital signaturefor purposes of verification. Other digital signature algorithms, suchas public key asymmetric algorithms, e.g., the Digital SignatureAlgorithm and the RSA algorithm, or zero knowledge protocols, may beused to perform this verification.

More specifically, according to one aspect, a contactless card 305 maybe used in conjunction with first authentication credentials provided toa service provider, such as service provider 320, to authenticate acommunication from a client device 410, for example, a call. The use ofthe contactless card as a second factor of authentication enables theassociation of a particular device/phone number with a specificindividual (i.e., the owner of the card), thereby removing the abilityfor a malicious third party to spoof, i.e., impersonate, the client.According to another aspect of the invention, authenticationcommunication protocols described herein identify or use specificcommunication channels for call handling, thereby reducing theopportunity for client impersonation.

The security factor authentication may comprise a plurality ofprocesses. In some embodiments, a first authentication process maycomprise logging in and validating a user via one or more applicationsexecuting on a device. A second authentication process may operatefollowing successful login and validation to cause a user to engage inone or more behaviors associated with one or more contactless cards. Ineffect, the security factor authentication process comprises amulti-factor authentication process that may include both securelyproving identity of the user and encouraging the user to engage in oneor more types of behaviors, including but not limited to one or more tapgestures, associated with the contactless card. In some examples, theone or more tap gestures may comprise a tap of the contactless card bythe user to a device. In some examples, the device may comprise a mobiledevice, a terminal, a tablet, or any other device configured to processa received tap gesture.

For example, to provide a first layer of authentication, a client mayaccess an application operating on the client device. In other examples,the client may access the website of the service provider by linking toa service provider web page using an internet browser applicationexecuting on the client device. The browser is a software applicationsuch as Google® Chrome®, Internet Explorer ®, Safari ®, etc., andincludes programming code for translating Hypertext Markup Language(HTML) web pages of the service provider application to a formatsuitable for to a client operating the client device.

As part of accessing the application or the service provider website,the service provider may request first authorization information,including password information, answers to pre-stored queries, biometricinformation, an image, or other mechanism of verifying that a user ofthe client device is authorized to access content and services,including accounts, managed by the service provider. Furthermore, thislevel of authentication provides confidence that the user of the clientdevice 125 is the expected client. In other words, while the methodsdescribed above may be particularly helpful for at least authenticatingthat a communication is coming from an authenticated device, these stepsmay further authenticate that a communication is coming from anauthenticated user of said device.

According to one aspect, the contactless card 305 may be used to providea second authentication for a user of a client device. In oneembodiment, and as described in more detail below, the contactless cardincludes a key, a counter, and cryptographic processing functionalitythat may be used to generate a cryptogram that may be used to validate auser of a client device. The counter advantageously reflects previousbehaviors of the holder of the card. For example, the counter mayreflect the number of times that the user has previously communicatedwith a particular party, information which is virtually impossible for amalicious third party to garner accurately.

A further level of authentication may be made by using the contactlesscard 305, for example, by communicatively coupling the card 305 to oneof the client devices 410 by tapping or otherwise, as mentioned above.In some embodiments, this constitutes the second authentication. Inother embodiments, the second authentication is continued with furtheranalysis of an identifying payload, for example, as described withrespect to FIG. 3.

Following the second authentication, and as described in more detailherein, data may be returned to the client device. For example, the datamay include data allowing the client to initiate a communication linkwith the second client device or information about the success orfailure of the authentication attempt.

It should be noted that although in the above description the firstauthentication is described as using personal, biometric, questions orother authentication information, it is recognized that in someexamples, a client application executing on a device may respond to atap of a contactless card to initially activate or launch theapplication of the device. In such examples, both the first and secondauthentication processes use the key/counter contactless cardauthentication process described in more detail below.

In some embodiments, if the client-side application is not installed ona client device, a tap of the contactless card proximate the card readermay initiate a download of the application, (such as navigation to adownload page of the application). Subsequent to installation, a tap ofthe contactless card may activate or launch the application, and theninitiate, for example via the application or other back-endcommunication), activation of the contactless card. In some examples,the one or more applications may be configured to determine that it waslaunched via one or more tap gestures of the contactless card, such thata launch occurred at 3:51 PM, that a transaction was processed or tookplace at 3:56 PM, in order to verify the identity of the user.

In some examples, data may be collected on tap behaviors asbiometric/gestural authentication. For example, a unique identifier thatis cryptographically secure and not susceptible to interception may betransmitted to one or more backend services. The unique identifier maybe configured to look up secondary information about the individual. Thesecondary information may comprise personally identifiable informationabout the user. In some examples, the secondary information may bestored within the contactless card.

FIG. 5 illustrates an exemplary system 500 in which an authenticatedcall may be made. System 500 comprises two or more client devices 125and 130. As illustrated, a single client device 125 is the device usedto initiate the communication and a single client device 130 is thedevice used to receive the communication. However, it will be readilyunderstood that communication could be transmitted from client device130 to client device 125 and/or that each client device as illustratedmay comprise a plurality of client devices, such as in a group call.Embodiments are not limited in this manner.

Client device 125 may be associated with a private key 126 and a publickey 127. Client device 130 may be associated with a private key 136 anda public key 137. In embodiments in which at least one of client device125 or client device 130 represents a plurality of client devices, eachclient device may be associated with a private key and a public key.

For each client device, the private key and the public key may berelated so that one decrypts data encrypted by the other. In someembodiments, the private key and the public key for a device may be thesame, enabling symmetric key encryption. In other embodiments, theprivate key and the public key may be different, enabling asymmetric keyencryption. Keys may be persistent or dynamic. In some embodiments, aprivate key may be a session key diversified by use of dynamicinformation local to the client device or provided by an external objector device, such as a contactless card, as described above.

In various embodiments, client device 125 may initiate a communicationwith client device 130, for example, a call data stream. A message 505may be appended to the communication. The message 505 may comprise anencrypted payload, at least one phone number, the at least one phonenumber comprising a phone number associated with recipient client device130, and a voice memo. In embodiments, the voice memo may becustomizable by the owner of the sending client device 125, for example,a phrase or greeting. In some embodiments, the message 505 may furtherinclude the public key 127 of client device 125.

The encrypted payload may be encrypted using the private key of clientdevice 125. The encrypted payload may comprise at least one identifier.In some cases, the voice memo may be included in the encrypted payload.

The second client device 130 may have access to the public key 127 ofthe first client device 125 in association with the phone number orother identifying data for the client device 125. For example, thepublic key 127 of the first client device 125 may be received with themessage 505, stored locally to memory of the client device 130 after aprevious communication between the two devices, or available via anothermemory or database, such as an internet-linked database. Furthermore,the second client device 130 may have access to an expected identifierin association with the client device 125. For example, the samedatabase may be used to store at least one client device 125, anassociated public key, and an expected identifier associated with thatclient device 125.

The message 505 may be received by the client device 130. The clientdevice 130 may retrieve the public key 127 associated with client device125 and use the public key 127 to decrypt the encrypted payload of themessage 505.

Failure of decryption of the payload with the public key 127 mayindicate potential fraudulent behavior. As a result, the communicationconnection supposedly coming from client device 125 may be denied. Insome embodiments, feedback may be provided to the user of client device130, to a service provider, or to a third party, for example, lawenforcement.

In some embodiments, the voice memo of message 505 may be presented tothe user of client device 130, for example, via a user interface byplaying the voice memo audio data to the user of client device 130 whenthey answer the incoming call. The user interface may be a part of anapplication on the client device 130. In some embodiments, the voicememo of message 505 may only be presented to the user based upon asuccessful first authentication of the identifier of the encryptedpayload.

The client device 130 may then receive feedback from its user if they door do not recognize the voice memo from the user of the first clientdevice 125. For example, feedback may be received via a user interface.This verification of recognition of the voice memo from the first clientby the second client provides a further layer of authentication. In someembodiments, the client device 130 may receive instructions from theuser via the user interface directing continuation or denial of thecommunication connection between the client devices 125 and 130.

Based on the feedback concerning voice memo recognition received fromthe user, the client device 130 may selectively establish a connectionbetween the client device 125 and the client device 130. In someembodiments, based on the feedback, the client device 130 may save thepublic key 127 of the client device 125 to local memory or add theclient device 125 to a list of recognized and/or trusted devices.

In some embodiments, continued communication between recognized and/ortrusted devices may take place with streamlined authentication methods.For example, only a first level of authentication may be required.

FIG. 6 is a logic flow 600 illustrating a method for selectivelyconnecting a first client device and a second client device forcommunication based upon results of authentication. Specifically, FIG. 6illustrates an example in which the first and second client devices areboth mobile phone devices and the communication is a call data stream.Embodiments are not limited herein.

In step 610, an incoming call data stream is received from a firstmobile phone device. The incoming call stream comprises a phone numberassociated with a second mobile phone device and an encrypted payload.The encrypted payload is encrypted using a private key associated withthe first mobile device. In embodiments, the encrypted payload may beappended to the incoming call data stream. The payload data may compriseinformation pertaining to the first client and/or client device.

In step 620, the incoming call data stream may be authenticated inresponse to a match between the information of the encrypted payload andstored information related to the first mobile phone device. In variousembodiments, the match between the information of the encrypted payloadand stored information related to the first mobile phone device may bejudged by successful decryption of the payload. For example, a payloadmay have been encrypted with a public key diversified using a counter.In this example, successful decryption of the payload with a public keydiversified by an independently maintained counter may indicate properauthentication.

In step 630, the system may establish a call connection between thefirst mobile phone device and the second mobile phone device in responseto the step of authenticating.

In some embodiments, a system's failure to properly authenticate a callmay prompt denial of the call or other method of dismissal of the call.In some embodiments, a first client device and/or second client devicemay be notified of the failed attempt and provided details of theattempt, such as the phone number of the caller and/or recipient. Insome embodiments, a recipient may be prompted via the user interface ofthe second client device to add the phone number of the calling firstclient device to a list of numbers to be blocked. In variousembodiments, the system may provide a service provider or third party,for example, law enforcement, with information relating to theunauthenticated call.

In some embodiments, a system's successful authentication of a call mayprompt establishment of a connection between the first mobile device andthe second mobile device. In various embodiments, information about thefirst mobile device may be saved to and/or by the second mobile deviceidentifying the first mobile device as having been engaged with via anauthenticated call. Such registration may be referenced in subsequentcommunications between the two client devices to efficiently checkprobable authenticity of the subsequent communications based on theauthentication of a prior communication.

In some embodiments, a call connection may be made between a first andsecond mobile phone device in response to the step of authenticating,and the results of the step of authenticating may be indicated to therecipient, for example, via a user interface of the second clientdevice. For example, a call connection may be made despiteauthentication failure, but a warning may be communicated to therecipient via the user interface of their mobile phone that the call isunauthenticated. In a further example, a call connection may be made inresponse to authentication success, with a verification beingcommunicated to the recipient via the user interface of their mobilephone that the call has been authenticated.

FIG. 7 is a logic flow 700 illustrating a method for selectivelyconnecting a first client device and a second client device forcommunication based upon results of a multifactor authentication.Specifically, FIG. 7 illustrates an example in which the first andsecond client devices are both mobile phone devices and thecommunication is a call data stream. Embodiments are not limited in thismanner.

Step 710 discloses the retrieval of an incoming call number's public keyfrom a data storage device. In some embodiments, the data storage devicemay be local to the second client device. In other embodiments, the datastorage device may be an external memory, such as that discussed abovewith reference to authentication router 120 or database 330, forexample.

Step 720 discloses the decryption of the encrypted payload using theincoming call number's public key, retrieved in step 710, to produce adecrypted payload comprising an identifier. The encrypted payload may bereceived with the incoming call number, for example, as in message 140.The identifier may be related to the sending client and/or first clientdevice.

Step 730 discloses comparison of the decrypted payload's identifier toan expected identifier associated with the incoming call number todetermine a first factor authentication match. In various embodiments,the expected identifier associated with the incoming call number may beretrieved from memory, which may be the same data storage devicereferenced in step 710 or a separate data storage device.

Step 740 discloses comparison of the attribute of a voice message to anexpected voice message attribute to identify a second factorauthentication match. The voice message may be received in associationwith or as part of the encrypted payload.

Step 750 discloses selective establishment of a connection between thefirst mobile phone device and the second mobile phone device in responseto the first factor authentication and the second factor authenticationmatch.

In some embodiments, a system's failure to properly authenticate a callvia the first factor and/or the second factor authentication matches mayprompt denial of the call, dropping of the call, or other method ofdismissal of the call. In some embodiments, a first client device and/orsecond client device may be notified of the failed attempt and provideddetails of the attempt, such as the phone number of the caller and/orrecipient. In some embodiments, a recipient may be prompted via the userinterface of the second client device to add the phone number of thecalling first client device to a list of numbers to be blocked. Invarious embodiments, the system may provide a service provider or thirdparty, for example, law enforcement, with information relating to theunauthenticated call. Such information may specify which factor ofauthentication failed and include further details of the attempt.

In some embodiments, a system's successful authentication of a call viathe first factor and/or the second factor authentication matches mayprompt establishment of a connection between the first mobile device andthe second mobile device. In various embodiments, information about thefirst mobile device may be saved to and/or by the second mobile deviceidentifying the first mobile device as having been engaged with via amultifactor authenticated call. Such registration may be referenced insubsequent communications between the two client devices to efficientlycheck probable authenticity of the subsequent communications based onthe multifactor authentication of a prior communication.

In some embodiments, a call connection may be made between a first andsecond mobile phone device in response to the first factor and/or thesecond factor authentication matches, and the results of the step ofauthenticating may be indicated to the recipient, for example, via auser interface of the second client device. For example, a callconnection may be made despite multifactor authentication failure, but awarning may be communicated to the recipient via the user interface oftheir mobile phone that the call is unauthenticated or only partiallyauthenticated. In a further example, a call connection may be made inresponse to multifactor authentication success, with a verificationbeing communicated to the recipient via the user interface of theirmobile phone that the call has been authenticated via multifactorauthentication.

Various embodiments may be implemented using hardware elements, softwareelements, or a combination of both. Examples of hardware elements mayinclude processors, microprocessors, circuits, circuit elements (e.g.,transistors, resistors, capacitors, inductors, and so forth), integratedcircuits, application specific integrated circuits (ASIC), programmablelogic devices (PLD), digital signal processors (DSP), field programmablegate array (FPGA), logic gates, registers, semiconductor device, chips,microchips, chip sets, and so forth. Examples of software may includesoftware components, programs, applications, computer programs,application programs, system programs, machine programs, operatingsystem software, middleware, firmware, software modules, routines,subroutines, functions, methods, procedures, software interfaces,application program interfaces (API), instruction sets, computing code,computer code, code segments, computer code segments, words, values,symbols, or any combination thereof. Determining whether an embodimentis implemented using hardware elements and/or software elements may varyin accordance with any number of factors, such as desired computationalrate, power levels, heat tolerances, processing cycle budget, input datarates, output data rates, memory resources, data bus speeds and otherdesign or performance constraints.

One or more aspects of at least one embodiment may be implemented byrepresentative instructions stored on a machine-readable medium whichrepresents various logic within the processor, which when read by amachine causes the machine to fabricate logic to perform the techniquesdescribed herein. Such representations, known as “IP cores” may bestored on a tangible, machine readable medium and supplied to varioususers or manufacturing facilities to load into the fabrication machinesthat actually make the logic or processor. Some embodiments may beimplemented, for example, using a machine-readable medium or articlewhich may store an instruction or a set of instructions that, ifexecuted by a machine, may cause the machine to perform a method and/oroperations in accordance with the embodiments. Such a machine mayinclude, for example, any suitable processing platform, computingplatform, computing device, processing device, computing system,processing system, computer, processor, or the like, and may beimplemented using any suitable combination of hardware and/or software.The machine-readable medium or article may include, for example, anysuitable type of memory unit, memory device, memory article, memorymedium, storage device, storage article, storage medium and/or storageunit, for example, memory, removable or non-removable media, erasable ornon-erasable media, writeable or re-writeable media, digital or analogmedia, hard disk, floppy disk, Compact Disk Read Only Memory (CD-ROM),Compact Disk Recordable (CD-R), Compact Disk Rewriteable (CD-RW),optical disk, magnetic media, magneto-optical media, removable memorycards or disks, various types of Digital Versatile Disk (DVD), a tape, acassette, or the like. The instructions may include any suitable type ofcode, such as source code, compiled code, interpreted code, executablecode, static code, dynamic code, encrypted code, and the like,implemented using any suitable high-level, low-level, object-oriented,visual, compiled and/or interpreted programming language.

1. A computing device, comprising: a memory configured to storeinstructions; and processing circuitry coupled with the memory, theprocessing circuitry configured to execute the instructions, and whenexecuted, the instructions to cause processing circuitry to: determineto establish a communication connection with a second computing device;generate an encrypted payload with a key and a cryptographic algorithm,the encrypted payload comprising an identifier to uniquely identifierthe computing device; send the encrypted payload and a call number toservice provider system to initiate establishment the communicationconnection with the second computing device; and establish thecommunication connection with the second computing device based on asuccessful authentication performed by the service provider systemutilizing the encrypted payload including the identifier.
 2. Thecomputing device of claim 1, wherein the identifier comprises on one ormore of password information, answers to pre-stored queries, biometricinformation, an image, or combination thereof.
 3. The computing deviceof claim 1, wherein the identifier comprises audio data, and the audiodata is unique to an expected user of the computing device.
 4. Thecomputing device of claim 1, wherein the call number is associated withthe second computing device to establish the call communicationconnection with the second computing device.
 5. The computing device ofclaim 1, wherein the key is a private key of a key pair, and the serviceprovider system to decrypt the encrypted payload with a public key ofthe key pair to authenticate the identifier.
 6. The computing device ofclaim 1, wherein the memory further comprises the key and theidentifier, and the processing circuitry to retrieve the key and theidentifier from the memory to generate the encrypted payload.
 7. Thecomputing device of claim 1, wherein the service provider systemcomprises a Voice over Internet Protocol (VoIP) network, a PublicSwitched Telephone Network (PSTN), or a combination thereof.
 8. Acomputer-implemented method, comprising: a memory configured to storeinstructions; and determining, by a processor of a computing device, toestablish a communication connection with a second computing device;determining encrypted payload, the encrypted payload comprising anidentifier to uniquely identifier the computing device encrypted with akey and a cryptographic algorithm; sending the encrypted payload and acall number to service provider system to initiate establishment thecommunication connection with the second computing device, wherein thecall number is associated with the second computing device; andcommunicating, via the communication connection, with the secondcomputing device based on a successful authentication performed by theservice provider system utilizing the encrypted payload including theidentifier.
 9. The computer-implemented method of claim 8, wherein theidentifier comprises on one or more of password information, answers topre-stored queries, biometric information, an image, or combinationthereof.
 10. The computer-implemented method of claim 8, wherein theidentifier comprises audio data, and the audio data is unique to anexpected user of the computing device.
 11. The computer-implementedmethod of claim 8, wherein the identifier comprises data received from acontactless card.
 12. The computer-implemented method of claim 8,comprising receiving, from a contactless card, the encrypted payloadcomprising the identifier, wherein the encrypted payload is generated bythe contactless card utilizing the key and the cryptographic algorithm.13. The computer-implemented method of claim 12, wherein the encryptedpayload is received in a message authentication code (MAC) cryptogram.14. The computing-implemented method of claim 12, wherein the encryptedpayload is received via near-field communication (NFC) interface as partof an NFC exchange with the contactless card.
 15. Thecomputer-implemented method of claim 14, comprising sending an NFC readto the contactless card to request the encrypted payload and causegeneration of a message authentication (MAC) cryptogram to communicatethe encrypted payload.
 16. The computer-implemented method of claim 8,wherein the key is a private key of a key pair, and the service providersystem to decrypt the encrypted payload with a public key of the keypair to authenticate the identifier.
 17. The computer-implemented methodof claim 8, comprising: storing, in a memory of the computing device,the key and the identifier; retrieving, by a processor of the computingdevice, the key and the identifier; and generating the encrypted payloadby applying the cryptographic algorithm and the key to the identifier.18. The computer-implemented method of claim 8, wherein the serviceprovider system comprises a voice over Internet Protocol (VoIP) network,a public switched telephone network (PSTN), or a combination thereof.19. A computer-readable medium storing instructions, the instructionsconfigured to, when executed, cause one or more processors of a firstcomputing device to: determine to establish a communication connectionwith a second computing device; determine encrypted payload, theencrypted payload comprising an identifier to uniquely identifier thecomputing device encrypted with a key and a cryptographic algorithm;send the encrypted payload and a call number to service provider systemto initiate establishment the communication connection with the secondcomputing device, wherein the call number is associated with the secondcomputing device; and communicate, via the communication connection,with the second computing device based on a successful authenticationperformed by the service provider system utilizing the encrypted payloadincluding the identifier.
 20. The computer-readable medium of claim 19,further comprising instructions to cause the one or more processors to:retrieve the key and the identifier from memory; and generate theencrypted payload by applying the cryptographic algorithm and the key tothe identifier.